Saving Account

customers with irregular income who want to grow their savings and need the flexibility to make daily cash transactions anytime via ARDB Mobile.

Currency	Annual Interest Rate
United States Dollar (USD)	1.00%
Khmer Riel (KHR)	1.00%

Special Offer	Perform cash transactions anytime via the ARDB Mobile app Support KHQR Merchant Free ATM card provided Bank passbook provided
Eligibility	Legal entities or individuals aged 15 years or older
Currency	KHR / USD
Minimum Opening Balance	5USD (for USD accounts) Not required (for KHR accounts)
How to open account	ARDB Head Office or branches Open an account through a sales officer or mobile unit officer in the provinces Conveniently self-opening account via ARDB Mobile
Interest Payment	Interest accrues daily and is credited to the customer’s account at the end of every quarter
Withholding Tax on Interest	4% for Resident Individual 14% for Resident Legal Entity
Deposit	ARDB Head Office / Branches Via ATM Transfer via ARDB Mobile app
Withdrawal	ARDB Head Office / Branches ARDB Mobile app Bakong system ATM card
Account Closure	ARDB Head Office / Branches (cross-branch closure available) Return the passbook
Note	Interest rates are subject to change at any time according to the decision of the Asset and Liability Management Committee (ALCO).

Required Documents For

Application for opening account as business (bank’s form)
Original ID and passport with signature of authorized person
Original MOU and Statues with signature of company’s director
Certificate of incorporation issued by Ministry of Commerce or QR code registration certificate
Original decision of board director on authorize for signatory and term
Original ID or passport of company director or shareholder
Business patent (if any)
Business license issued by related ministry and/or authorities (if any)
First minimum deposit is 10 USD or 40,000 KHR